US8973110B2 - Electronic receipt system, terminal device and method of providing electronic receipt - Google Patents

Electronic receipt system, terminal device and method of providing electronic receipt Download PDF

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Publication number
US8973110B2
US8973110B2 US13/758,315 US201313758315A US8973110B2 US 8973110 B2 US8973110 B2 US 8973110B2 US 201313758315 A US201313758315 A US 201313758315A US 8973110 B2 US8973110 B2 US 8973110B2
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Prior art keywords
electronic
user
electronic receipt
information
biometric authentication
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Expired - Fee Related, expires
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US13/758,315
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English (en)
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US20130145444A1 (en
Inventor
Yasuyuki Mizoguchi
Tomoo Saito
Nobuyuki Funatsu
Hiroshi Takashima
Sori Ishigami
Koichiro Iwamoto
Shunichi Morita
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Toshiba Corp
Toshiba Digital Solutions Corp
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Toshiba Corp
Toshiba Solutions Corp
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Assigned to KABUSHIKI KAISHA TOSHIBA, TOSHIBA SOLUTIONS CORPORATION reassignment KABUSHIKI KAISHA TOSHIBA ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: MIZOGUCHI, Yasuyuki, ISHIGAMI, Sori, IWAMOTO, Koichiro, MORITA, SHUNICHI, TAKASHIMA, HIROSHI, SAITO, TOMOO, FUNATSU, Nobuyuki
Assigned to KABUSHIKI KAISHA TOSHIBA, TOSHIBA SOLUTIONS CORPORATION reassignment KABUSHIKI KAISHA TOSHIBA CORRECTIVE ASSIGNMENT TO CORRECT THE ATTORNEY DOCKET NUMBER PREVIOUSLY RECORDED ON REEL 030048 FRAME 0452. ASSIGNOR(S) HEREBY CONFIRMS THE CORRECTIVE ASSIGNMENT TO CORRECT THE ATTORNEY DOCKET NUMBER FROM 2887.0826 TO 5225.0603 Assignors: MIZOGUCHI, Yasuyuki, ISHIGAMI, Sori, IWAMOTO, Koichiro, MORITA, SHUNICHI, TAKASHIMA, HIROSHI, SAITO, TOMOO, FUNATSU, Nobuyuki
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Assigned to TOSHIBA SOLUTIONS CORPORATION reassignment TOSHIBA SOLUTIONS CORPORATION CHANGE OF ADDRESS Assignors: TOSHIBA SOLUTIONS CORPORATION
Assigned to TOSHIBA DIGITAL SOLUTIONS CORPORATION reassignment TOSHIBA DIGITAL SOLUTIONS CORPORATION CHANGE OF NAME (SEE DOCUMENT FOR DETAILS). Assignors: TOSHIBA SOLUTIONS CORPORATION
Assigned to TOSHIBA SOLUTIONS CORPORATION reassignment TOSHIBA SOLUTIONS CORPORATION CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY'S ADDRESS PREVIOUSLY RECORDED ON REEL 048547 FRAME 0098. ASSIGNOR(S) HEREBY CONFIRMS THE CHANGE OF ADDRESS. Assignors: TOSHIBA SOLUTIONS CORPORATION
Assigned to TOSHIBA DIGITAL SOLUTIONS CORPORATION reassignment TOSHIBA DIGITAL SOLUTIONS CORPORATION CHANGE OF CORPORATE NAME AND ADDRESS Assignors: TOSHIBA SOLUTIONS CORPORATION
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/0453—
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231—Biological data, e.g. fingerprint, voice or retina
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2101—Auditing as a secondary aspect
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2151—Time stamp

Definitions

  • Exemplary embodiments described herein relate to an electronic receipt system, a terminal device and a method of providing an electronic receipt which generate an electronic tally and an electronic receipt using biometric authentication technology.
  • FIG. 1 is a total configuration diagram related to a flow of affairs in an embodiment
  • FIG. 2 is a functional block diagram related to the publication of an electronic receipt in the mobile terminal of the embodiment
  • FIG. 3 is a flow chart of a processing related to the publication of the electronic receipt in the embodiment
  • FIG. 4 is a functional block diagram related to the return of a received object in the mobile terminal of the embodiment.
  • FIG. 5 is a flow chart of a processing related to the return of the received object in the embodiment.
  • an electronic receipt system includes a terminal device, a first memory unit which a first user has, and a second memory unit which a second user who is a trading partner of the first user has.
  • the terminal device includes biometric authentication obtaining means to obtain biometric authentication information of the first user and biometric authentication information of the second user; electronic tally generating means to generate electronic tallies based on the biometric authentication information of the both users; electronic receipt generating means to generate electronic receipts including transaction information of the first user and the second user, the electronic receipts including a first electronic receipt having one of the electronic tallies and a second electronic receipt having another of the relevant electronic tallies; means to store the first electronic receipt in the first memory unit; and means to store the second electronic receipt in the second memory unit.
  • FIG. 1 is a total configuration diagram related to a flow of affairs in the embodiment.
  • the sales staff 101 when a sales staff 101 who is a person in charge of external affairs of a financial institution such as a bank goes off from the store to a client's premises (from 101 a to 101 b ), the sales staff 101 brings out a mobile terminal 102 that is a device in possession from the store to the client's premises (from 102 a to 102 b ).
  • the biometric authentication information of a client stored on an IC card of the client who is a trading partner, and the biometric authentication information of the sales staff 101 himself are read out with an exclusive device 103 b , the authentication is performed using a biometric authentication service, and that the both are the parties in charge themselves is confirmed.
  • the exclusive device 103 b is a reader/writer device of an IC card, for example, and is used while connected to the mobile terminal 102 .
  • the current day information is downloaded from a database of a server of a core system to the mobile terminal 102 .
  • the current day information includes client information 501 , sales staff information 502 , transaction information 503 , and so on.
  • the client information 501 and the sales staff information 502 are each inherent information such as a full name or a name, and an ID, for example.
  • the transaction information 503 is information indicating the content, classification of the transaction, and so on, for example.
  • the sales staff 101 when the sales staff 101 receives an object such as cash, a bank passbook, and documents from the client, the sales staff 101 inputs the information of the received object as acknowledgment information, and determines the content of the transaction. Along with it, the sales staff 101 obtains time information (a time stamp) from a time stamp office, and obtains position information (GPS information) using a GPS function not shown.
  • time information a time stamp
  • GPS information position information
  • the sales staff 101 operates the mobile terminal 102 to thereby generate original information of an electronic tally based on these collected information.
  • the sales staff 101 divides the generated seed original information of the electronic tally into electronic tallies, and gives one to an electronic receipt (original), gives another to an electronic receipt (copy), and publishes each of them.
  • the sales staff 101 operates the mobile terminal 102 to thereby distribute the electronic receipt (original) to the client, and to make it be stored in the IC card of the client.
  • the electronic receipt (copy) is stored in the financial institution side.
  • the sales staff 101 brings back the mobile terminal 102 from the client's premises to the store (from 102 b to 102 c ), and uploads the information of the above-described received content to the server to thereby store the information as transfer history information 504 in the data base.
  • An electronic receipt is one for replacing a document which a financial institution issued to a client in the form of paper so as to certify that some sort of money or documents and so on have been received, by data which is electronically certified. That is, an electronic receipt is data including the transaction information between a financial institution and a client, makes a receipt paperless, and is utilized as a measure for preventing loss and a measure for preventing compromise.
  • the electronic receipt is data including the electronic tally which is generated based on the information such as the biometric authentication information of the client and the sales staff 101 , the client information 501 , the sales staff information 502 , the transaction information 503 , the time stamp, the GPS information.
  • An electric tally indicates each of pieces of data which is divided with a method to divide and store data such as a file into a plurality of pieces using a hush function and so on.
  • the original data can not be restored from a divided piece.
  • the electronic tallies in the electronic receipt of the embodiment are information which are divided and possessed by the client and the sales staff 101 , and one is stored in the IC card of the client, and another is stored in the financial institution side, and the electronic tallies are ones for certifying the validity of transaction by verifying whether the both information of the client and the sales staff 101 coincide with each other.
  • the mobile terminal 102 is brought out again from the store to the client's premises (from 102 d to 102 e ), and the biometric authentication information of the client stored in the IC card of the client who is the trading partner, and the biometric authentication information of the sales staff 101 himself are read out with an exclusive device 103 e .
  • Authentication is performed using a biometric authentication service based on the read biometric authentication information of the client, and the read biometric authentication information of the sales staff 101 himself, to confirm that the both are the parties in charge themselves.
  • the electronic receipt is received from the IC card of the client, and whether the tally information of the electronic receipt and the tally information of the electronic receipt (copy) stored in the financial institution side coincide with each other is verified. If the verification result has no problem, the verification is performed and the object is returned.
  • the mobile terminal 102 is brought back from the client's premises to the store (from 102 e to 102 f ), and the result of the return is reflected in the transfer history information 504 of the server.
  • FIG. 2 is a functional block diagram related to the publication of the electronic receipt in the mobile terminal of the embodiment.
  • a biometric authentication obtaining unit 201 performs personal authentication based on the biometric authentication certificate obtained thorough the biometric authentication service.
  • a sales staff information obtaining unit and client information obtaining unit 202 obtains the sales staff information and the client information from the server.
  • a transaction information obtaining unit 203 obtains the transaction information from the server.
  • a time stamp obtaining unit 204 obtains the time stamp from the time stamp office.
  • a GPS obtaining unit 205 obtains the GPS information using GPS function.
  • a tally information generating unit 206 generates seed information of the tallies based on the information obtained in the respective units of the above-described biometric authentication obtaining unit 201 to the GPS obtaining unit 205 , and divides the generated seed information to thereby make the electronic tallies.
  • An electronic receipt generating unit 207 generates the electronic receipt (original) and the electronic receipt (copy) by giving the respective electronic tallies.
  • An electronic receipt distributing unit 208 distributes the electronic receipt to the server of the financial institution or the IC card of the client.
  • An electronic receipt storing unit 209 stores the electronic receipt (copy) in the database of the financial institution, and an IC card processing unit 210 makes the electronic receipt (original) to be stored in the IC card of the client.
  • An application control unit 211 controls exchange of information between the respective units of the biometric authentication obtaining unit 201 through the IC card processing unit 210 .
  • FIG. 3 is a flow chart of the processing related to the publication of the electronic receipt in the embodiment.
  • the application control unit 211 starts up an application to control the transfer of documents and so on (a step S 301 ).
  • the biometric authentication obtaining unit 201 reads out the biometric authentication information of the sales staff 101 and the client stored in the IC card with the exclusive device, performs authentication with the biometric authentication service, confirms that the both are the parties in charge themselves, and concurrently obtains the biometric authentication certificates (steps S 302 , S 303 ).
  • the sales staff information obtaining unit and client information obtaining unit 202 obtains the sales staff information and the client information from the sever of a core system (a step S 304 ).
  • the transaction information obtaining unit 203 obtains the transaction information from a transaction master of the server (a step S 305 ).
  • the sales staff 101 After having confirmed the transaction content, the sales staff 101 receives the cash, the bank passbook, the documents and so on delivered from the client (a step S 306 ).
  • the transaction information obtaining unit 203 obtains the information of the received object as acknowledgment information (a step S 307 ). Supplementary information (hope of return to the store, and so on) which could not be obtained in the above step related to the received object is registered (a step S 308 ).
  • the time stamp obtaining unit 204 obtains the time information at the time point of the transaction from the time stamp office (a step S 309 ).
  • the GPS obtaining unit 205 obtains the position information using the GPS function (a step S 310 ).
  • the tally information generating unit 206 generates the original information of the electronic tallies based on the obtained biometric authentication certificates, the transaction information, the acknowledgment information, the time information, the position information (a step S 311 ).
  • the electronic receipt generating unit 207 divides the generated original information of the electronic tallies into the electronic tallies, and generates the electronic receipt (original) and the electronic receipt (copy) (a step S 312 ).
  • the electronic receipt is distributed using the electronic receipt distributing function of the electronic receipt distributing unit 208 (a step S 313 ).
  • the IC card processing unit 210 stores the electronic receipt (original) in the IC card of the client through the exclusive device (a step S 315 ).
  • the electronic receipt storing unit 209 stores the electronic receipt (copy) in the database of the financial institution (a step S 314 ).
  • FIG. 4 is a functional block diagram related to the return of a received object in the mobile terminal of the embodiment.
  • the same symbols are given to the same portions as the respective portions in the functional block diagram of FIG. 2 .
  • the IC card processing unit 210 makes the electronic receipt on the IC card to be sent through the exclusive device, and an electronic receipt receiving unit 213 receives the sent electronic receipt.
  • An electronic receipt obtaining unit 212 obtains the electronic receipt (copy) from the core system.
  • a tally information verifying unit 214 verifies whether the tally information on the electronic receipt and the electronic receipt (copy) coincide with each other.
  • the original information of the obtained electronic tallies can also be collated with the biometric authentication certificates of the sales staff 101 and the client obtained in the biometric authentication obtaining unit 201 , and the sales staff information and the client information respectively obtained by the sales staff information obtaining unit and the client information obtaining unit 202 .
  • a processor such as a CPU of a computer of the mobile terminal 102 executes the program stored in a memory unit such as a memory, and thereby the respective units of the biometric authentication obtaining unit 201 to the tally information verifying unit 214 in FIG. 2 or FIG. 4 function as the relevant respective units.
  • FIG. 5 is a flow chart of a processing related to the return of the received object in the embodiment.
  • the mobile terminal 102 which the sales staff 101 possesses starts up the application to control the transfer of the documents and so on (a step S 401 ).
  • the processing is executed by the application control unit 211 .
  • the IC card processing unit 210 reads the biometric information of the sales staff 101 and the client stored in the IC card with the exclusive device, and the biometric authentication obtaining unit 201 performs the authentication with the biometric authentication service, and confirms that the both are the parties in charge themselves, and concurrently obtains the biometric authentication certificates (steps S 402 , S 403 ).
  • the sales staff information is obtained from the core system (a step S 404 ).
  • the electronic receipt obtaining unit 212 obtains the information of the electronic receipt (copy) stored in the financial institution (a step S 405 ).
  • the IC card processing unit 210 makes the electronic receipt information to be sent from the IC card of the client (a step S 406 ). And, the electronic receipt receiving unit 213 receives the electronic receipt (s step S 407 ).
  • the tally information verifying unit 214 verifies whether the respective tally information provided on the electronic receipt (original) and the electronic receipt (copy) coincide with each other (a step S 408 ). If the result is OK, documents and so on are delivered to the client. The client receives the documents and so on.
  • a mobile terminal of the present embodiment is adopted as a terminal of a sales staff of a financial institution, and thereby paper documents become unnecessary, and there is no possibility of the loss of paper, and this links to the shortening the time required for the procedure, and the promotion of the clerical efficiency can be achieved. Accordingly, this contributes to enhancement of the value of the sales staff's visit. Because one terminal of a sales staff is used, a client does not need to prepare a device.
  • An electronic receipt and biometric authentication information of a client is stored only in an IC card of the client, and not stored in a financial institution side, there is no risk such as deletion or falsification by the financial institution side.
  • an IC card is not brought out to the outside, a risk of the leakage on a network can be avoided.
  • the convenience of a client can be enhanced.

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US13/758,315 2011-10-20 2013-02-04 Electronic receipt system, terminal device and method of providing electronic receipt Expired - Fee Related US8973110B2 (en)

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JP2011230619 2011-10-20
JP2011-230619 2011-10-20
PCT/JP2012/005944 WO2013057874A1 (ja) 2011-10-20 2012-09-19 電子レシートシステム、端末装置、電子レシートの提供方法およびプログラム

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US9288207B2 (en) 2014-04-30 2016-03-15 Grandios Technologies, Llc Secure communications smartphone system
US9391988B2 (en) * 2014-06-04 2016-07-12 Grandios Technologies, Llc Community biometric authentication on a smartphone
US9590984B2 (en) 2014-06-04 2017-03-07 Grandios Technologies, Llc Smartphone fingerprint pass-through system

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US20150237045A1 (en) * 2014-02-18 2015-08-20 Werner Blessing Method and system for enhanced biometric authentication
JP5925375B1 (ja) * 2015-10-29 2016-05-25 高光産業株式会社 電子チケット管理装置及び電子チケット管理方法
JP6898689B2 (ja) * 2017-08-04 2021-07-07 株式会社日立国際電気 営業支援システム
JP7409321B2 (ja) * 2018-12-28 2024-01-09 日本電気株式会社 電子レシート発行装置、電子レシート発行方法及びプログラム
JP6721063B2 (ja) * 2019-01-11 2020-07-08 カシオ計算機株式会社 電子レシート発行システム、電子レシート発行方法およびプログラム

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US9288207B2 (en) 2014-04-30 2016-03-15 Grandios Technologies, Llc Secure communications smartphone system
US9819675B1 (en) 2014-04-30 2017-11-14 Grandios Technologies, Llc Secure communications smartphone system
US9391988B2 (en) * 2014-06-04 2016-07-12 Grandios Technologies, Llc Community biometric authentication on a smartphone
US9590984B2 (en) 2014-06-04 2017-03-07 Grandios Technologies, Llc Smartphone fingerprint pass-through system

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WO2013057874A1 (ja) 2013-04-25
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JPWO2013057874A1 (ja) 2015-04-02
JP5559353B2 (ja) 2014-07-23
CN103189886A (zh) 2013-07-03

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